407 Spruce Pine Rd, Abingdon, MD 21009 Property Records

Harford County property record for 407 Spruce Pine Rd, Abingdon, MD 21009

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 3,118 sqft · built 2021
Lot Size	0.172 acres (7,492 sqft)
Owner	2 Individual Names on Record
Last Sale	$540,527 (May 2021)
Tax Bill	$5,983 (2025)
Deeds & Mortgages	Jul 2023 Line of Credit May 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`01-398925`

Property Details

APN / Parcel Number

Primary APN	`01-398925`
Alternative APN	`398925`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,118 sqft Total Area

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	7,492 sqft (0.172 acres)
Garage Type	Built-in
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	398925
Street Address	407 SPRUCE PINE RD
City	ABINGDON
State	MD
Zip	21009-2770
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1COS
Legal Description	LOT 28 7492 SF 407 SPRUCE PINE ROAD LAUREL RIDGE 144/16
Legal Subdivision	LAUREL RDG
Legal Lot Number	28
Jurisdiction	HARFORD MD
Township / Civil Division	1, ABINGDON
Census Block Group	3
Census Block	3000
Census Tract	301108

Owner

Source: Harford County records, as of August 18, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	407 SPRUCE PINE RD, ABINGDON, MD 21009-2770
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 21, 2023	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
May 11, 2021	Deed, Transfer · Conventional Mortgage TBI MORTGAGE COMPANY
Mar 28, 2018	Loan Modification, Mortgage NORMAN B HOOKER

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 11, 2021 · Amount on Record
Deed Sale	May 11, 2021 · Amount on Record
Deed Book / Page	14739 / 92
Record Updated	Sep 20, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	407 SPRUCE PINE RD, ABINGDON, MD 21009-2770
Transaction Type	Mortgage
Record Updated	Aug 2, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	407 SPRUCE PINE RD, ABINGDON, MD 21009-2770

Mortgage

Document Number	0159760001
Date	Jul 21, 2023
Book Page	15976/1

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	HARFORD MD
Recording Date	May 11, 2021
Property Address	407 SPRUCE PINE RD, ABINGDON, MD 21009-2770
Document Number	0147390092
Book / Page	14739 / 92
Map Reference	MB 144 FO 16
Instrument Date	Apr 30, 2021
Transaction Type	Transfer
Record Updated	May 3, 2022
Title Company	UNIVERSAL TITLE COMPANY, UNIVERSAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	407 SPRUCE PINE RD, ABINGDON, MD 21009-2770

Mortgage

Document Number	0001473997
Date	May 11, 2021
Instrument	14739/97

Lender

Name	TBI MORTGAGE COMPANY
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2051

March 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	HARFORD MD
Recording Date	Mar 28, 2018
Property Address	407 SPRUCE PINE RD, ABINGDON, MD 21009-2770
Document Number	0127530159
Book / Page	012753 / 000159
Instrument Date	Mar 9, 2018
Transaction Type	Mortgage
Record Updated	Apr 9, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Partnership

Mortgage

Document Number	127530159
Date	Mar 28, 2018
Book Page	012753/000159

Lender

Name	NORMAN B HOOKER

Agreement

Amount	Amount Recorded

Tax Assessment & Valuation

Source: Harford County assessment roll, as of August 12, 2025

Property Jurisdictions

Type	Name
State	Maryland
County	Harford County
Unified School District	Harford County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$620,000 (+20.74%) Land $172,500 Building $447,500	$620,000 (+20.74%) Land $172,500 Building $447,500
2025	$5,983.00 (+6.92%)
2023		$513,500 Land $172,500 Building $341,000	$513,500 Land $172,500 Building $341,000
2022	$5,596.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective October 15, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	1 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · above 41% of Maryland
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 353 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber	980 / 880

Cell Coverage

5G (outdoors only) and 4G LTE

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